Citizens Challenge 2019-08-21T10:35:58+00:00

At Citizens Bank, we are committed to harnessing the unlimited potential of digital banking to help our customers reach their potential. We are pleased to be launching our “Citizens Challenge” — a platform for individual developers and start-ups to prepare and present innovative technology ideas in banking.

Co-sponsored by:

Register now

Challenge Prizes

Best overall app

Trophy + $0

Per team

Best commercial app

Amazon Echo Plus

1 per team member

Best consumer app


1 per team member

Social Media Hero

Snapchat Spectacles

Individual award


We are welcoming ideas that will unlock the technology’s potential based around four core challenge tracks:

360° Engagement

360° Engagement

1. How can we consolidate what we know about our customer in one place and leverage that data to predict their next move?
2. How can we use the different data streams available to us today – from inside the bank (CRM events, transaction history…etc) and outside (global news, segment/industry data, credit scoring,…etc) to engage context around how we can help our customers succeed?

Liquidity Crystal Ball

Liquidity Crystal Ball

1. What kind of tools can we develop to help our customers understand and address their liquidity and cash-flow challenges?
2. How can we better leverage predictive analytics using market data such as cash-flow and liquidity to help us reach and on-board prospective customers?

AI and Digital Engagement

AI and Digital Engagement

1. How can we best leverage AI platforms to service customers and increase our response rate and support capabilities?
2. How can we leverage the data that customers provide us and take this data to provide more insight into their banking functions such as spending habits and financial analytics?

Social Banking

Social Banking

1. How can we best formulate tools to further engage customers on our platforms and provide them services that provide more insight into their daily life (i.e. Personalization in Banking)?
2. What kind of interface optimizations can we develop to optimize on-boarding and verification for clients?


Frederic Chanfrau

EVP, CIO Technology
Citizens Bank

Frederic Chanfrau

Frederic Chanfrau is the Chief Information Officer for the Commercial Banking and Shared Services tower of Citizens Bank since September 2014. The primary responsibilities for this office encompass all aspects of development, operations and support related to the Technology for the Commercial Bank, Business Process Automation and API. Chanfrau manages the relationship and partnership with numerous business lines to deliver comprehensive IT services to support the growth of the bank. Prior joining Citizens Bank, Chanfrau was CIO for IT Regions at Schneider where he oversaw all IT services globally. Manage IT infrastructure, including networks, data centers, hardware, software and telecom, utilized by 160,000 people worldwide. He planned and led complex enterprise-level technology, transformation and implementation, automation and modernization projects.

Musarrat Qureshi

Director at PwC Advisory – Digital, Customer & FinTech

Musarrat (Musi) Qureshi

Musarrat (Musi) Qureshi is a Director in PwC’s Advisory Consulting practice with a focus on Digital, Fintech and Customer topics within Financial Services. Musi advises global Financial Services firms as well as regional and super-regional banks in the US, on business transformation programs to embrace digital capabilities and next generation customer experiences. Musi served as the Banking Sector Lead for PwC’s Fintech practice. In that role, she brings insights on new entrants in the fintech space and emerging technologies to incumbent financial services firms preparing for emerging disruptions. She also worked with fintechs on market strategy, growth to scale and working with incumbent banks. Musi has been a sponsor and judge for several hackathons and emerging tech challenges involving startups in the US, Europe, Africa, Asia and Australia.

Lamont Young

EVP, Head Digital & Multi-Channel Marketing
Citizens Bank

Lamont A Young

Lamont Young is Head of Digital and Head of Direct Response Marketing for Citizens Financial Group. Young and his team are responsible for strategy and investment in digital technology for the corporation, management of the online and mobile banking platforms, digital payments, and the banks corporate web sites. In addition, the team drives demand generation and acquisition through the digital and direct marketing channels including: digital advertising, social media, content marketing, search, direct mail, and telemarketing. Young is also a member of the Consumer Bank Executive committee. Prior to joining Citizens in 2012, Young held several leadership positions with Bank of America in digital sales, digital media, and content development. Before joining Bank of America, Young founded a firm that provided web and design services to small business. Young earned his BS in Marketing from Penn State University and his Master of Business Administration from Winthrop University. Young is a member of several organizations including Omega Psi Phi Fraternity, the American Marketing Association, the Consumer Bankers Association Digital Committee and the National Association of Black MBA’s.

Matt Richardson

SVP, Head of Product Solutions
Citizens Bank

Matt Richardson

Matt has over 20 years of Commercial and Retail banking experience in sales, product and business administration roles. As Head of Cash Management Product Solutions, he leads a team that is driving a comprehensive strategic investment in the treasury management product suite including domestic cash and international trade. Matt is also responsible for the Bank’s Sponsorship Management business.
Prior to joining Citizens, Matt was with Bank of America (Fleet Bank) in retail branch management and regional branch management capacities.
Matt is a recognized expert in domestic cash management and speaks regularly at industry forums including AFP, NACHA, and FEI. He holds a BA in Economics from the University of Massachusetts and has completed professional training including the RBS/Harvard Business School Senior Manager Program and the Advanced Leadership Development Program through Babson Executive Education.

Mary Ellen Baker

EVP, Head of Business Services
Citizens Bank

Mary Ellen Baker

Mary Ellen Baker is Head of Business Services at Citizens Financial Group, Inc. She is responsible for the technology, operations, information and corporate security, property services, supply chain, process reengineering, change management and enterprise data functions. Baker oversees strategic investments in technology designed to drive value, efficiency and collaboration across the company.
Baker joined Citizens in August 2016 from PNC Financial Services, where she served as Executive Vice President of Enterprise Services, leading a wide range of efforts to improve the bank’s technology, controls and governance. In addition, she served as an interim Chief Technology Officer and built out PNC’s cyber security team.
Prior to PNC, she was at Bank of America and served as both Head of Enterprise Resiliency and Corporate Services and as the Head of Technology and Operations for the Consumer and Small Business Division. While at Bank of America, she led the implementation of the largest integrated platform upgrade and release the bank had ever attempted.
Baker is a graduate of Western Michigan University and is active in a number of community and professional organizations.
She currently serves on the Rhode Island Hospital Foundation, a Lifespan Partner, as well as the Lifespan Quality Oversight Committee. Additionally, Baker serves on the Board of Foster Forward – an organization dedicated to serving children and youth in foster care, the kinship and foster parents who care for them, and young adults leaving the foster care system.

Prasad Joshi

Vise President, Head of Innovation

Prasad Joshi

Prasad leads Infosys Center for Emerging Technology Solutions (iCETS). iCETS is the a key unit within Infosys, responsible for building expertise in emerging technologies and contextualizing them to create business solutions for Infosys clients. Prasad has been instrumental in building the strategic ‘joint innovation centers’ program at iCETS, and through it has setup co-creation labs with key clients. His portfolio focus includes AI and Cognitive Solutions, Blockchain, Design and Experience, AR-VR, and Cyber Security and Data Management. Under Prasad’s leadership iCETS has created products for Conversational Interfaces, data privacy, enterprise gamification, and location based solutions among other areas. As part of global charter, he leads the creation of startup ecosystems and academia relationships. He has more than 30 years of experience in software technology, IT/business process outsourcing, and multicultural team management. Before joining Infosys, Prasad was the CTO and vice president of operations for STI Knowledge.


July 27th 2018

July 28th 2018

July 29th 2018

Available APIs

To bring your ideas to life, use the available sandbox environment powered by the Open Bank Project. It offers 160 banking APIs you can use in your prototypes.
Get API key
Go to API Explorer
Get API key
Go to API Explorer


Who, what, where, when & how

All intellectual property rights in the ideas and applications of a participant shall
remain owned by, and shall vest in, the participant who creates them. See Terms and Conditions for more information.

No! We will help you find a great team to join.
Sure, see this video from a recent hackathon, which was run by the Open Bank Project in London.

Travel refunds are intended to help startups outside Boston to cover their travel costs. Participants are responsible for arranging their own travel and accommodation. Startups can apply for confirmation of eligibility here. If your request gets confirmed, you can send your travel receipts up to $250 per person following the event to where refund will be processed. Please note that the refund is limited to $250 per person and will be allocated on a first come first served basis.

No, entrepreneurs, designers and anyone with bright ideas and energy is most welcome!

Perfect, come and have a great first experience!

No, not this time. At some point we’ll go to the pub, get some sleep and return bright and early!
If you have any questions, please contact us at:

District Hall, 75 Northern Ave, Boston, MA 02210, USA

Join leading financial technology startups and work with one of the largest regional banks in the United States!

Register now